Holiday Skip-a-Pay is back! 


The holidays are an important time to make sure you know where all your money is going. With Skip-a-Pay you can save a little extra cash to use for your seasonal plans!


Members with good histories of loan repayment will receive the opportunity to skip their loan payment for December 2014 and January 2015.


Here is how you take part:

Watch your mail for a letter from us to find out if you're eligible. If you are, look at your statement or log on to Access 24, located in the upper right corner of this page. Find your account # and loan suffix (it's next to the account number) and then do one of the following:

•Mail the form you received with your eligibility letter back to us by November 15th. with boxes checked for each loan you wish to defer. If you do not wish to defer a loan, simply leave the appropriate boxes blank. A fee of $35 per loan, per month will be added to your loan balance, should you choose to skip-a-pay.


•Bring the form with the above information to the Credit Union and take care of your skip-a-pay in person!


If you have any questions, please call us at (218) 279-3200.


Mail forms to:

Northern Communities Credit Union

3311 West Arrowhead Road

DUluth, MN 55811 




Scholarships Available through Family Involvement Council 


The Minnesota Family Involvement Council is accepting applications for their 2014-2015 season. In 2015, the FIC will award $10,00 in scholarships to credit union members continuing their education.


Four $1,000 scholarships and twelve $500 scholarships will be awarded to 16 credit union members throughout Minnesota. Anyone who is a member of a credit union affiliated with the Minnesota Credit Union Network and pursuing post-secondary education in fall 2015 and spring 2016 is eligible. To apply, credit union members must complete a one-page application form and submit an essay that answers the question: "What is your interpretation of the American Dream and how do you plan to achieve it?"


Click here for the FIC's scholarship information page and to start the online application.




Save BIG and shop conveniently with AutoSMART 


We've got low rates on new and used auto loans as well as sports vehicle loans! Get rates as low as 3.20%APR with extra discounts available. See us for more savings and details! Call us at 279-3200 today!


Use the AutoSMART buttons on our site to search for a specific vehicle or browse inventory of dealers near you! You can also compare deals, sell your vehicle, and fill out your application online. You have everything you need at the click of a button.


APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions. All loans subject to approval. See Loan Officer for details.




Leased Land Mortgages


    St. Louis County is offering land for sale on a number of area lakes that it had previously leased to homeowners and property owners. If you own a home on this type of land, would like to build on this type of land, or would like to refinance existing property or buy County leased land, NCCYou can help!  We now offer a variety of mortgages on St. Louis County leased land, as well as bare land loans. Call Koby Myer at 218-279-3200 Ext. 237 for more information or to set up an appointment today!



    Serve on Our Supervisory Committee


    We currently have an opening on our Supervisory Committee! If you are interested in serving or would like to know more about the position, please call us at 279-3200. To view our current Board of Directors and Supervisory Committee, click here.

    Click here to learn more about NCCYou e-Statements!

    And while you're at it, check out our new mobile banking app for Apple and Android devices!  Simply go to the Apple Store or Google Play store and search for NCCYou!


    Member Cellular Discounts with Sprint




    Your savings fedarally insured to at least $250,000 and backed by the full faith and credit of the United Stated Government. National Credit Union Administration, a U.S. Government agency.


    Equal Housing Lender



    3311 W. Arrowhead Rd.  

    Duluth, MN 55811

    Woodland • Shops at Bluestone  

    1004 Woodland Ave.

    Duluth, MN 55803

    Virginia • Mountain Iron

    800 S. 16th Ave.

    Virginia, MN 55792